Ok, this is making my own head spin... I'm hoping it will make sense to someone because at the moment it doesn't make sense to me.
All along I said my 1st loan was with Countrywide but couldn't find the note... when I found the original note I was scratching my head because the loan was originally with New Century... but fast forward to 2012 and BofA was the servicer / Wells was the investor- I got approved for DOJ and made my first trial payment this week.
SO, I decided I should find out who the investor is on my second and requested the info in writing from SLS
They say that the original creditor was NEW CENTURY (and sent me my original note), however Greenpoint Mortgage Whole Sale Loans is the 'current creditor'. When I googled Greenpoint I learned that Capitol One had acquired Greenpoint when they bought a bank and closed Greenpoint in August 2007. Upon further googling I found the below:
For those of you that are not already aware, Greenpoint Mortgage has sold ALL of their loans and servicing to Countrywide Mortgage effective November 29, 2008. If you have made attempts to contact Greenpoint or have made any payments on your existing mortgage to Greenpoint after this date please read the following information.
The date that Greenpoint will stop accepting payments from you is November 30, 2008. The date that Countrywide will start accepting payments from you is December 1, 2008. You will receive a payment coupon attached to your Welcome Letter from Countrywide no later than 15 days after the effective date of the transfer.
SO now my question is does this mean that BofA now owns my second since they bought Countrywide?
AND why does SLS show my current 'creditor' as Greenpoint Mortgage Wholesale Loans when they've been closed since 8/07.
And going out on a limb does this mean I 'might' get one of those letters that tells me my second has been forgiven? (please, please, please)
How do I pursue the reality of who the current investor is.. I KNOW it's not Greenpoint and believe this is where my confusion was when I said I was with Countrywide... I need to look up my old checks to see who I paid what to back on 2008/2009 timeframe... I know my second was serviced by Saxon prior to SLS but am drawing a blank on who I paid before Saxon.
This may get interesting BUT why is SLS showing Greenpoint as the current 'creditor' and does this word mean something other than current investor?
All along I said my 1st loan was with Countrywide but couldn't find the note... when I found the original note I was scratching my head because the loan was originally with New Century... but fast forward to 2012 and BofA was the servicer / Wells was the investor- I got approved for DOJ and made my first trial payment this week.
SO, I decided I should find out who the investor is on my second and requested the info in writing from SLS
They say that the original creditor was NEW CENTURY (and sent me my original note), however Greenpoint Mortgage Whole Sale Loans is the 'current creditor'. When I googled Greenpoint I learned that Capitol One had acquired Greenpoint when they bought a bank and closed Greenpoint in August 2007. Upon further googling I found the below:
For those of you that are not already aware, Greenpoint Mortgage has sold ALL of their loans and servicing to Countrywide Mortgage effective November 29, 2008. If you have made attempts to contact Greenpoint or have made any payments on your existing mortgage to Greenpoint after this date please read the following information.
The date that Greenpoint will stop accepting payments from you is November 30, 2008. The date that Countrywide will start accepting payments from you is December 1, 2008. You will receive a payment coupon attached to your Welcome Letter from Countrywide no later than 15 days after the effective date of the transfer.
SO now my question is does this mean that BofA now owns my second since they bought Countrywide?
AND why does SLS show my current 'creditor' as Greenpoint Mortgage Wholesale Loans when they've been closed since 8/07.
And going out on a limb does this mean I 'might' get one of those letters that tells me my second has been forgiven? (please, please, please)
How do I pursue the reality of who the current investor is.. I KNOW it's not Greenpoint and believe this is where my confusion was when I said I was with Countrywide... I need to look up my old checks to see who I paid what to back on 2008/2009 timeframe... I know my second was serviced by Saxon prior to SLS but am drawing a blank on who I paid before Saxon.
This may get interesting BUT why is SLS showing Greenpoint as the current 'creditor' and does this word mean something other than current investor?
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